This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, UPEDA branch in UPEDA. The 11-digit IFSC IDIB000U009 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the UPEDA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000U009 is the IFSC of Indian Bank's UPEDA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00U009 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Upeda |
| IFSC Code | IDIB000U009 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GARH DELHI ROAD UPEDA UPEDA UPEDA PIN 245201 |
| City | Upeda |
| District | Hapur |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9897725528 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Upeda branch — IFSC IDIB000U009 — extends the bank's services to customers in and around Upeda, Uttar Pradesh.
About this branch
The branch is located at GARH DELHI ROAD UPEDA UPEDA UPEDA PIN 245201. It serves the Upeda region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000U009 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Bank's UPEDA branch came to be assigned the code IDIB000U009.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IDIB000U009, money simply cannot be routed to the UPEDA branch electronically.
How to transfer money using IFSC IDIB000U009
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IDIB000U009 across all three.
NEFT to Indian Bank, UPEDA using IFSC IDIB000U009
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IDIB000U009, and confirm that the system picks up Indian Bank – UPEDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to UPEDA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's UPEDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000U009 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank UPEDA (IFSC IDIB000U009)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000U009 in your mobile or internet banking app, and the money is credited to the UPEDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000U009 for Indian Bank – UPEDA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IDIB000U009 | Yes – IDIB000U009 | Yes – IDIB000U009 |
For most retail customers crediting the Upeda branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IDIB000U009
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Bank – UPEDA is still mapped to IFSC IDIB000U009. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IDIB000U009 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Upeda branch is mapped to IFSC IDIB000U009 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IDIB000U009.
Products and services
Customers walking into the Upeda branch can access most of Indian Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IDIB000U009
MICR & cheque-truncation details
Cheques drawn on the Upeda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000U009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Upeda branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IDIB000U009 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC IDIB000U009
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Bank – UPEDA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IDIB000U009. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Upeda branch sits at GARH DELHI ROAD UPEDA UPEDA UPEDA PIN 245201. If you are travelling from outside Upeda, search for the branch on a maps application using the bank name and locality, or call 91-9897725528 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IDIB000U009 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000U009 for Indian Bank – UPEDA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Upeda are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IDIB000U009 continue to work without interruption.
Branch address & contact
Indian BankUpeda Branch
GARH DELHI ROAD UPEDA UPEDA UPEDA PIN 245201
Upeda, Uttar Pradesh
Phone: 91-9897725528
IFSC: IDIB000U009
Frequently asked questions
Where is Indian Bank Upeda branch located?
Indian Bank's Upeda branch is located at GARH DELHI ROAD UPEDA UPEDA UPEDA PIN 245201, Upeda, Uttar Pradesh.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Upeda branch but serve different purposes.
Is IFSC IDIB000U009 valid for NEFT and RTGS?
Yes. IFSC IDIB000U009 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000U009 the same for all accounts at Upeda branch?
Yes. The IFSC IDIB000U009 is shared by every account held at Indian Bank's Upeda branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Upeda branch?
The IFSC code of Indian Bank, Upeda branch is IDIB000U009. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IDIB000U009 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Upeda reflect within 30 minutes.
Summary
The IFSC code IDIB000U009 belongs to Indian Bank's UPEDA branch, located at GARH DELHI ROAD UPEDA UPEDA UPEDA PIN 245201 in UPEDA, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
